The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$34,535
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$1,091/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,934
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,420
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,451
−HK$1,045/mo
Today · 4.125%
HK$40,496
baseline
▲ 0.50% · 4.625%
HK$42,631
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,992/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,443
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,309/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,680/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,254/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,157
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,350
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,854
−HK$1,528/mo
Today · 4.125%
HK$51,382
baseline
▲ 0.50% · 4.625%
HK$54,508
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,764/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,789
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,231
−HK$1,464/mo
Today · 4.125%
HK$56,695
baseline
▲ 0.50% · 4.625%
HK$59,683
+HK$2,988/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,390/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,164
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,098
−HK$1,964/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$70,082
+HK$4,020/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,157
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,011
−HK$1,882/mo
Today · 4.125%
HK$72,893
baseline
▲ 0.50% · 4.625%
HK$76,735
+HK$3,842/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,786/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,955 · Scale 2, in force from 26 Feb 2026)